McCook, NE · Cert 34995 · Central Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | -0.56% | -0.71% | -0.22% | -0.02% | 0.56% | 0.61% | 0.66% | +88 bps | |
| Return on Equity | 3.45% | -5.22% | -7.29% | -2.27% | -0.23% | 5.53% | 5.66% | 5.98% | +825 bps | |
| Net Interest Margin | 4.36% | 4.17% | 3.49% | 3.63% | 3.71% | 3.81% | 3.60% | 3.85% | +22 bps | |
| Efficiency Ratio | 86.30% | 113.90% | 91.75% | 82.95% | 83.75% | 69.01% | 77.53% | 77.00% | -595 bps | |
| Non-Interest Burden | 3.74% | 4.77% | 3.19% | 2.99% | 3.08% | 2.58% | 2.76% | 2.93% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | 4.75% | 4.20% | 2.24% | -2.16% | -2.30% | -3.16% | -2.81% | -505 bps | |
| Loan Growth (YoY) | -5.69% | 2.33% | -0.86% | -4.31% | -6.73% | -8.40% | -5.95% | 11.48% | +1,579 bps | |
| Deposit Growth (YoY) | -4.53% | 4.16% | 4.34% | 2.85% | -0.19% | -0.79% | -2.01% | -0.62% | -347 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.04% | 5.88% | 6.66% | 6.43% | 8.31% | 6.43% | 6.09% | 5.80% | -63 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.07% | 4.99% | 2.79% | 1.85% | 1.30% | -0.08% | -0.04% | -282 bps | |
| Allowance / Loans | 2.04% | 2.09% | 1.32% | 1.56% | 1.68% | 1.80% | 1.90% | 1.66% | +10 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.2x | 0.2x | 0.2x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.29% | 9.91% | 9.73% | 9.86% | 10.20% | 10.74% | 10.97% | 11.30% | +144 bps | |
| Total Risk-Based Capital | 13.75% | 12.32% | 13.14% | 13.80% | 13.70% | 14.94% | 15.20% | 14.37% | +57 bps | |
| Equity / Assets | 11.05% | 9.77% | 9.69% | 9.96% | 10.43% | 10.63% | 11.00% | 11.28% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.59% | 88.16% | 84.67% | 84.95% | 87.46% | 81.39% | 81.27% | 95.30% | +1,034 bps | |
| Liquid Assets / Assets | 10.00% | 8.72% | 8.85% | 10.16% | 9.77% | 10.19% | 11.22% | 7.81% | -235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 167.36% | 134.10% | 128.46% | n/a | n/a | |